Medical Insurance Plans/TAPP

Health Maintenance Organizations (HMO)

An HMO is a plan that provides healthcare from specific doctors and hospitals under
contract with the plan. Employees and their eligible dependents select a primary care
physician who coordinates all medical care including referrals to specialists. The
employee and eligible dependents can each select a different primary care physician/medical
group within the HMO plan. These plans generally have restricted service areas in
California (based on zip code), co-payments for some services, no deductibles, and
no claim forms. Emergency services rendered out of the service area or California
must be reported to the HMO plan.

Available in portions of 17 counties: El Dorado, Fresno, Kern, Kings, Los Angeles,
Madera, Nevada, Orange, Placer, Riverside, Sacramento, San Bernardino, San Diego,
San Joaquin, Santa Barbara, Ventura, and Yolo. Some counties will only have partial
access. Members should contact Blue Shield to determine whether their ZIP code is
included in the NetValue service area.

Kaiser Permanente offers a one-stop shop when obtaining services from your physician for pharmacy,
lab, x-ray and other services. A listing of medical offices and Hospital sites are
located on their website. Kaiser Evidence of Coverage.

Preferred Provider Organizations (PPO)

As a PPO health plan member, you get maximum benefit coverage when you use the PPO
network (Blue Cross of California) of physicians and hospitals. A PPO is similar to
a traditional "fee-for-service" plan, but you must use doctors in the PPO provider
network or pay higher co-insurance (percentage of charges). A PPO allows you to select
a primary care provider and specialists without referral. In these plans, you must
usually meet an annual deductible before some benefits apply. You are responsible
for a certain co-insurance amount, and the plan pays the balance up to the allowable
amount.

Tax Advantage Premium Plan (TAPP)

The Tax Advantage Premium Plan (TAPP) allows employees to have required health plan
premiums withheld from their paychecks on a pre-tax basis, reducing federal and state
income and Social Security/Medicare taxes.